Identity Protection Resource Center

Direct Federal will never call, email, or text you and ask for your Online Banking credentials. If you receive a communication that fits this description, please call us 888.2DIRECT.


A number of institutions have reported an increase in fraud attempts. These fraud attempts have followed three different scenarios, all of which are designed to ultimately provide the fraudsters access to people’s online and mobile accounts. We want to make you aware of these scenarios, and inform you what you can do to protect yourself.




Fraudulent email or text message claiming to come from a legitimate business

Fraudulent telephone call claiming to come from a legitimate business

Fraudulent websites intended to look like the websites of large, well-known businesses



Direct Federal will never email you and ask you for personal information. Phishing is the most common method of cyber attack and occurs when the cybercriminal emails you and tries to get you to click a malicious link, reply with personal and confidential information, or download a corrupt file. These emails may have the Direct Federal logo, may have our name listed, and even look like they are coming from us. 

Tips to look for:

  • Spelling and grammatical errors

  • Subtle typos in the sender’s email address (i.e.

  • A link that leads to a different site than mentioned in the message. You can hover over the link to see the full URL that the link wll bring you to.

REMINDER | Direct Federal will never ask you to provide confidential information such as your account number, PIN, password or Login ID via email.


Direct Federal will never call you and ask you for personal information. Vishing is similar to what we discussed above but it happens over the phone. The cybercriminal will use personal information they have previously accessed about you and call and pretend to be your credit union or bank. They will try to get you to reveal your username, password, or PIN.

Tips to look for:

  • An unfamiliar or unknown caller ID

  • A caller who claims to be a bank employee saying there is an issue with your account

  • A caller who doesn’t answer your questions or provide additional information when questioned

REMINDER | Direct Federal will never call you and ask you to provide confidential information.
If this occurs, please hang up and call back our main number—888.2DIRECT.


Direct Federal will never text you asking you to conduct a specific transaction, click on a link, or download an app other than our mobile app. Cybercriminals will text you and try to get you to either call a specific number or do a specific action.

Tips to look for:

  • Spelling and grammatical errors

  • Sent from an unfamiliar number

  • Contains an embedded link

REMINDER | Never reply or take action from unknown senders. 

If you are concerned that any of these scenarios may have happened to you (clicked on a link from a suspicious email, downloaded an app from a suspicious text message, provided information to a suspicious caller, or inadvertently clicked on a link or called a number on a fraudulent website), please contact us so that we can review your accounts with you, and if need be, take steps to ensure they are secure.


We want our members to stay apprised of best practices in managing finances, and will continue to post updates regarding recent fraud cases in our community on our website. Should you have any questions, please call us at 888-2Direct.


Always make sure your computer is up to date with security settings, upgrades, and malware.

Monitor your accounts frequently and call us immediately if you see anything suspicious.

Direct Federal, and other financial institutions, will never ask for your username or password over the phone or email. 

Ensure your password is safe and secure. Never use easy to find out information in your password
(i.e. your name and birthday)

Take a FREE Online Class about identity protection below



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Equal Opportunity  Lender.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

50 Cabot St.

Needham, MA 02494